Home Mf Research Union Retirement Fund Regular Plan Growth
Union Mutual Fund

Union Retirement Fund - Regular Plan - Growth

Solution Oriented Solution Oriented Retirement
Fund House : Union Mutual Fund
Overview
Returns
Portfolio
SIP Calculator
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • SI
NAV (as on 2025-06-17)
15.42 -0.26%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
2.38%
Expense Ratio (Direct)
1.11%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-06-10 ₹1,000.00 ₹992.28
-0.77 %
Two Week 2025-06-02 ₹1,000.00 ₹1,013.81
1.38 %
One Month 2025-05-19 ₹1,000.00 ₹1,014.47
1.45 %
Three Months 2025-03-19 ₹3,000.00 ₹3,165.26
5.51 %
Six Months 2024-12-19 ₹6,000.00 ₹6,330.75
5.51 %
One Year 2024-06-18 ₹12,000.00 ₹12,427.76
3.56 %
Since Inception 2022-09-22 ₹34,000.00 ₹42,481.22
24.94 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
HDFC Bank Ltd. Banks Equity 7.98
ICICI Bank Ltd. Banks Equity 6.73
Reliance Industries Ltd. Petroleum Products Equity 3.60
Bharti Airtel Ltd. Telecom - Services Equity 3.21
Infosys Ltd. IT - Software Equity 3.19
Larsen & Toubro Ltd. Construction Equity 2.78
Tata Consumer Products Ltd. Agricultural Food & other Products Equity 2.43
Axis Bank Ltd. Banks Equity 2.06
Bharat Electronics Ltd. Aerospace & Defense Equity 1.99
State Bank of India Banks Equity 1.91
Solar Industries India Ltd. Chemicals & Petrochemicals Equity 1.71
JK Cement Ltd. Cement & Cement Products Equity 1.60
Tata Consultancy Services Ltd. IT - Software Equity 1.56
Eureka Forbes Ltd. Consumer Durables Equity 1.53
Muthoot Finance Ltd. Finance Equity 1.46
Ami Organics Ltd. Pharmaceuticals & Biotechnology Equity 1.40
Godrej Properties Ltd. Realty Equity 1.35
Info Edge (India) Ltd. Retailing Equity 1.34
Kfin Technologies Ltd. Capital Markets Equity 1.28
Power Grid Corporation of India Ltd. Power Equity 1.28
Max Healthcare Institute Ltd. Healthcare Services Equity 1.22
Karur Vysya Bank Ltd. Banks Equity 1.20
Jio Financial Services Ltd. Finance Equity 1.19
Lupin Ltd. Pharmaceuticals & Biotechnology Equity 1.19
360 ONE WAM Ltd. Capital Markets Equity 1.19
Shriram Finance Ltd. Finance Equity 1.17
HCL Technologies Ltd. IT - Software Equity 1.17
GE Vernova T&D India Ltd. Electrical Equipment Equity 1.13
Maruti Suzuki India Ltd. Automobiles Equity 1.10
ITC Ltd. Diversified FMCG Equity 1.09
Eternal Ltd. Retailing Equity 1.05
Dixon Technologies (India) Ltd. Consumer Durables Equity 1.05
Home First Finance Company India Ltd. Finance Equity 1.03
S.J.S. Enterprises Ltd. Auto Components Equity 1.02
Amber Enterprises India Ltd. Consumer Durables Equity 1.00
Ultratech Cement Ltd. Cement & Cement Products Equity 1.00
Sun Pharmaceutical Industries Ltd. Pharmaceuticals & Biotechnology Equity 1.00
Mphasis Ltd. IT - Software Equity 0.97
ZF Commercial Vehicle Control Systems India Ltd. Auto Components Equity 0.95
Cholamandalam Investment & Finance Co. Ltd. Finance Equity 0.95
Torrent Pharmaceuticals Ltd. Pharmaceuticals & Biotechnology Equity 0.94
TVS Motor Company Ltd. Automobiles Equity 0.94
UNO Minda Ltd. Auto Components Equity 0.90
Mahindra & Mahindra Ltd. Automobiles Equity 0.88
JSW Energy Ltd. Power Equity 0.87
Bajaj Finance Ltd. Finance Equity 0.85
Alivus Life Sciences Ltd. Pharmaceuticals & Biotechnology Equity 0.84
CG Power and Industrial Solutions Ltd. Electrical Equipment Equity 0.82
Ajanta Pharma Ltd. Pharmaceuticals & Biotechnology Equity 0.81
Pidilite Industries Ltd. Chemicals & Petrochemicals Equity 0.81
Gokaldas Exports Ltd. Textiles & Apparels Equity 0.77
Gujarat Industries Power Company Ltd. Power Equity 0.76
Trent Ltd. Retailing Equity 0.74
Kirloskar Oil Engines Ltd. Industrial Products Equity 0.74
Doms Industries Ltd. Household Products Equity 0.73
Elantas Beck India Ltd. Chemicals & Petrochemicals Equity 0.72
Computer Age Management Services Ltd. Capital Markets Equity 0.71
Blue Star Ltd. Consumer Durables Equity 0.69
Cummins India Ltd. Industrial Products Equity 0.68
Tata Steel Ltd. Ferrous Metals Equity 0.68
BSE Ltd. Capital Markets Equity 0.67
Tech Mahindra Ltd. IT - Software Equity 0.65
Hindalco Industries Ltd. Non - Ferrous Metals Equity 0.64
Cohance Lifesciences Ltd. Pharmaceuticals & Biotechnology Equity 0.63
KSB Ltd. Industrial Products Equity 0.63
Max Financial Services Ltd. Insurance Equity 0.63
Navin Fluorine International Ltd. Chemicals & Petrochemicals Equity 0.62
Hindustan Petroleum Corporation Ltd. Petroleum Products Equity 0.59
Tube Investments of India Ltd. Auto Components Equity 0.57
Cera Sanitaryware Ltd. Consumer Durables Equity 0.56
KEI Industries Ltd. Industrial Products Equity 0.54
Godrej Consumer Products Ltd. Personal Products Equity 0.53
Azad Engineering Ltd. Electrical Equipment Equity 0.53
Cipla Ltd. Pharmaceuticals & Biotechnology Equity 0.47
Bluspring Enterprises Ltd. Commercial Services & Supplies Equity 0.17
Digitide Solutions Ltd. IT - Services Equity 0.15
ITC Hotels Ltd. Leisure Services Equity 0.06
182 Day Treasury Bills - Debt 0.09
364 Day Treasury Bills - Debt 0.09
TREPS - Debt 3.31
Net Receivable / Payable - - -0.07
GRAND TOTAL (AUM) - - 100.00
SIP Calculator
Risk Ratios
Standard Deviation
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Beta
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Sharpe Ratio
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Lock In Period
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Residual Maturity
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Standard Deviation:
Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.
Beta:
Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.
Sharpe Ratio:
The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.
Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.
Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.
Scheme Details
  • Fund manager(s) : Sanjay Bembalkar (Over 17 years), Hardick Bora (Over 16 years),
  • Expense ration regular : 2.38
  • Expense ration direct : 1.11
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹100.00
  • Type : solution_oriented
Exit load
Nil

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